Wealth Protection & Risk Management Including wealth protection and risk management in a financial plan can help ensure your family is secure and help you achieve your vision for the future. Including risk protection steps in your financial plan will help ensure you can: Provide for your family in the event of death. Provide for you and your family in the event of a disability. Provide for long-term care. Protect your retirement plan from a savings shortfall. Prevent estate erosion due to unexpected expenses. Support your philanthropic interests. A well-designed and customized protection plan takes into account the individual needs of each family member. It may include life insurance, disability income insurance and long-term care insurance. Investment funding vehicles such as annuities or mutual funds can also be utilized to establish a contingency fund. Life Insurance Life insurance policies are designed with different needs in mind. They can provide temporary protection, cash accumulation or may be utilized as part of an estate plan. We have access to high-quality, competitively-priced life insurance products, including permanent, term, combination and variable policies. Disability Insurance Disability insurance helps to protect your most valuable asset, your ability to earn an income. A long-term disability could suspend or terminate your income and may even force you to close your business. We offer a breadth of Disability Insurance products to provide a source of income in the event of total or partial disability. Long Term Care Insurance Long-term Care insurance provides benefits in the event of a long-term illness or injury. Owning a long-term care insurance policy also provides you choices in deciding where or how you receive care.